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Can I Get Health Insurance Cover for Allergies in India? Read to Know

Published On Feb 12, 2020 5:30 AM By Sakshi Aggarwal

Allergies are among the most common reasons that people in India visit hospitals. Still, we tend to underestimate the inconvenience caused by allergic reactions.

A fact hard to believe is:

  • Nearly 30% of the population in India is affected by allergies.
  • The worst sufferers are youngsters and young adults aged between 20-28 years of age.

Allergies may trigger violently in many cases. To fight them, health insurance cover for allergies is a must to buy, because these plans offer coverage for allergies that may lead to hospitalisation.  

Allergic and Health Insurance  

An allergic response, in simple terms, is a reaction taking place inside a body after coming in contact with a foreign particle like dust, pollen, mould spores, pet dander, and dust mites. These particles are counted as the most basic allergies. And different people suffer from different types of allergies. Some are allergic to peanuts, some to pollen, and the list goes on. Also, the person sitting next to you might be allergic to a particular thing that you are not.

The good thing is that health insurance covers the hospitalisation costs caused by all types of allergies.

Health insurance plans that cover allergies

There are many policies in the market that cover the expenses incurred in allergy treatment. These policies offer coverage for specific treatments or illnesses. Health insurance policies that cover the hospitalisation due to allergies are:

How to pick health insurance plans that cover allergies?

Among a pool of health insurance plans in India, there are a few that are worthy of making an investment. If you are healthy, you can look for a regular health insurance plan, but if you often fall sick due to an allergic reaction, then choose a plan that offers coverage for allergic treatment.

Consider the following points when choosing health insurance plans that cover allergies:

  • Cashless treatment and reimbursement facility
  • Cashless hospitals in your area
  • Cover for the expenses incurred before hospitalisation
  • Cover for the expenses incurred after hospitalisation
  • Inpatient treatment coverage such as doctor's fee, nursing cost, ICU charge, medicine's costs
  • The premium that you need to pay against the plan

In general, all standard health insurance plans offer coverage for general expenses incurred at medical facilities. But if you want extra coverage like reimbursement for ambulance charges, coverage for specific illnesses, the choice to add family members, you can get them too.   

Popular health insurance companies in India are going the extra mile to cover most medical conditions in a profitable way. They are keen on joining the bandwagon by designing new and more beneficial health insurance products for the policyholders by offering more coverage features as well as sum insured options.      

So, if you know anyone who has been avoiding to purchase health insurance with a belief that it won’t cover allergies and other specific illnesses, then it is time to spread the word and engage them in finding the right product from InsuranceDekho.  

Also Read

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If you are or if you know anyone who is suffering from allergies, then seek a comprehensive health insurance cover for allergies. 

Get in touch with the customer care executives at InsuranceDekho by calling on the toll-free number 1800 1205 698. Our experts will help you get the best health insurance plan with coverage for the allergy treatment. Stay healthy, stay insured!  

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